Looking for a home loan company high quality without surprises?

Buying my first home and want the quality of the loan. What is a mortgage company in good loan that is larger chain of GMAC, Countrywide? I do not want any surprises when my loan has a fixed rate loan is better? Having a good credit rating
Is there something wrong or is this standard, if you ask in good faith to evaluate the loan officer, and he wants you to go to the first documents, before you do it gives? I asked the mortgage companies and others were willing to give me the papers before I left (I already gave him information on the phone and he raised my credit score), but this guy up ‘that we turn all our documents in full on a loan application.

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